Giant Loan App Review: Instant Cash Loan Without BVN in Nigeria (NIN Loan + APK Download Link)

Getting an instant loan in Nigeria without BVN has become one of the most searched financial solutions online. Many people need emergency cash but don’t want to share their BVN with untrusted apps. That’s where the Giant Loan App comes in — a fast, simple loan platform that accepts NIN (National Identification Number) instead of BVN.

In this article, you’ll find everything you need to know about the Giant Loan App, including how it works, its interest rate, advantages and risks, and the official APK download link. If you’re looking for a quick loan without collateral or BVN, this review will help you decide if it’s worth using.

What Is Giant Loan App?

Giant Loan App is a mobile lending platform that offers instant cash loans to Nigerians without requiring BVN verification. It operates under the Cash Bus group, the same company behind other similar apps like Fundy Loan, Hope Cash, Early Cash, and Yoyi Loan.

The app provides short-term personal loans ranging from ₦3,000 to ₦50,000, depending on the user’s eligibility. It’s not available on the Google Play Store — instead, it can be downloaded via APK link.

What makes the Giant Loan App stand out is that it allows users to verify their identity with NIN instead of BVN, making it an option for people who are often denied loans by other apps due to low credit scores or missing BVN details.

How to Download Giant Loan App (APK Link)

Because Giant Loan App isn’t listed on Play Store, you’ll need to download the APK file manually. Here’s how:

1. Search for “Giant Loan App APK Download” using your browser.

2. Choose a trusted website that offers the official APK file (avoid “mod” or hacked versions).

3. Download the file and enable “Install from Unknown Sources” in your phone settings.

4. Install and open the app.

5. Register with your NIN, phone number, and bank details.

Once your registration is complete, you can apply for a loan immediately.

How Giant Loan App Works

The Giant Loan App uses a simple lending process. Here’s how it typically works:

• Open the app and fill in your details (NIN, name, phone, and bank info).

• Choose your preferred loan amount.

• Submit your application.

• Wait for instant approval (usually within minutes).

• Receive the loan directly in your bank account.

The repayment period is short — between 7 and 14 days, and the app charges high interest rates, often between 35% and 45%.

Loan Amount, Duration, and Interest Rates

Giant Loan App offers small, short-term loans to new users and may increase your limit after multiple successful repayments.

• Loan Range: ₦3,000 to ₦50,000

• Loan Duration: 7–14 days

• Interest Rate: 35%–45%

• Service Charge: Deducted upfront

Example: If you apply for ₦10,000, you might receive ₦7,000 after charges, but you’ll have to repay ₦10,000–₦11,000 within two weeks.

This makes Giant Loan App a quick fix for emergencies, but not ideal for long-term borrowing.

Pros of Using Giant Loan App

Despite being unregulated, Giant Loan App still offers several benefits that make it appealing to users who need quick cash.

1. No BVN Needed – You can use your NIN instead of BVN.

2. Instant Approval – Loan disbursement happens in minutes.

3. No Collateral or Paperwork – The process is fully digital.

4. Available 24/7 – You can apply anytime, even on weekends.

5. Ideal for Bad Credit Users – The app doesn’t run a strict credit check.

Cons and Risks of Using Giant Loan App

Before you rush to install the app, it’s important to know the risks involved.

1. Very High Interest Rate – The app’s charges are among the highest in the microloan category.

2. Short Repayment Period – You must repay within 7–14 days.

3. Debt Harassment – Users have reported that the app calls their contacts and sends defamatory messages to recover debts.

4. Unlicensed Operation – The app is not recognized by the CBN or FCCPC.

5. Data Privacy Concerns – Since it’s an APK download, your personal information may not be secure.

These risks make Giant Loan App a temporary solution, not a reliable long-term financial tool.

Is Giant Loan App Legit or a Scam?

Giant Loan App is not a scam, as many users confirm they receive their loan immediately after approval. However, the app is not officially licensed or regulated, meaning it operates outside of Nigeria’s financial laws.

So while it works, it can still expose users to data leaks, harassment, and privacy violations — especially if you default. Always borrow cautiously and only what you can repay on time.

User Experiences and Complaints

Reviews from users on social media platforms like Facebook and X (Twitter) show a mixed picture.

Some praise the app for fast disbursement and ease of use, while others complain about:

• Excessive service fees.

• Short repayment deadlines.

• Debt recovery agents sending defamatory messages to contacts.

• Lack of customer support.

This mixed feedback suggests that while Giant Loan App delivers quick cash, it comes with serious drawbacks you must consider.

Giant Loan App APK Download Link

To install the app, you’ll need to use the APK file since it’s unavailable on Play Store.

Search online for:
“Giant Loan App APK Download (Latest Version)”
Then follow these steps:

1. Download the APK file.

2. Install and register using NIN.

3. Request your desired loan amount.

4. Wait for approval and receive funds instantly.

Avoid downloading from suspicious sites to protect your phone and data.

Best Alternatives to Giant Loan App

If you want safer and regulated options, here are a few better alternatives that are approved by the Central Bank of Nigeria (CBN):

• FairMoney – Offers up to ₦1 million with flexible repayment.

• PalmCredit – Reliable mobile loan app with low service charges.

• Branch Loan App – Known for low interest and long repayment period.

• Carbon Loan App – Offers loans, bill payments, and investment services.

These apps are CBN-approved and won’t harass or defame you if you default.

Final Verdict

The Giant Loan App provides quick, no-BVN cash loans for Nigerians who need emergency funds. Its fast approval process and NIN-based registration make it a convenient option for those with poor credit or missing BVN details.

However, users should proceed with caution. The high interest rates, short repayment time, and reports of harassment make it a risky platform. It’s best used only for urgent, short-term needs, not as a regular loan source.

If you want safety and peace of mind, go for licensed apps like FairMoney, Carbon, or Branch — they offer better rates and full data protection.

ALSO READ: Best Instant Loan App in Nigeria: Cash Bus Loan Application Review (APK Download Link)